Disclaimer

Advisory services offered through Wealth
Enhancement Advisory Services, LLC (WEAS), a
registered investment advisor. Certain, but not
all, investment advisor representatives (IARs)
of WEAS are also registered representatives of
and offer securities through LPL Financial,
member FINRA/SIPC. Wealth Enhancement Group and
WEAS are separate entities from LPL. Wealth
Enhancement Group is a registered trademark of
Wealth Enhancement Group, LLC.

Wealth Enhancement Group

Corporate History / Background

Back in 1997, four financial advisors sharing office space discovered they also shared a critical belief: the financial services industry needed a better way to provide advice to clients. They were passionate about that truth. They had complementary skills in financial advice, technical expertise, relationship management and operations that enabled them to translate their passion into action. From those shared beliefs, Wealth Enhancement Group was born.

This new approach to financial services put clients first. It made clients long-term partners in planning their own futures based on their values and goals, so that they understood why they owned the investments they did. It ensured our firm's advice would always be in their best interest.

Like all good ideas, Wealth Enhancement Group has branched, adapted, and grown as new people work on it. But more than 20 years later, the basics remain. We believe independence from Wall Street, and a client-centered approach to financial services, are good for clients. We believe a team-of-specialists methodology delivers better results than a single financial advisor can offer. And we believe the long-term partnership we create with clients gives them confidence about their financial future.

My Services

Financial Planning for Individuals

Financial planning is at the very core of the comprehensive
financial planning services we offer to individuals and
families seeking to build, protect and manage wealth over
time.
That's why our approach to comprehensive financial planning
seeks to help you fully assess your current situation, goals
and desires by basing your plan on your values.
Your financial advisor works with our Roundtable team to help
you recognize and pursue opportunities, minimize taxes,
invest
more effectively, and achieve a greater understanding of
comprehensive, values-based financial planning services.

Retirement Planning

Retirement income planning is a step in the financial
planning
process that is often overlooked. Many individuals only focus
on
the wealth accumulation phase, but retirement income planning
is
essential in order to ensure that you do not outlive your
income.
There are many variables to consider when planning for
retirement. Inflation, rising health care costs and long-term
care are just a few examples of the things that can affect
your
retirement income.
Our team can help you create a retirement income plan with
the
goal of providing a sustainable, predictable, tax-efficient
stream of income based on your age, values and vision of
retirement.
In addition, based on your risk tolerance, we'll develop an
asset
allocation strategy so that you have an effectively
diversified
portfolio that helps deliver what you need and what you want
in
retirement.

Estate Planning & Trusts

When we sit down with you to begin your estate plan, we start
with one
simple question: What do you value most in life? We believe
that more
than any other aspect of life, the values you hold dear
should drive your
decisions and determine your legacy.
Our estate planning services team is specifically structured
to help you
create an estate plan by working closely with your tax and
legal advisors
to help ensure that all of the pieces of your plan work
together for you
and your loved ones' benefit.
Effective estate planning can help you while you're very much
alive and
well, protecting your assets now, and providing income while
you're
healthy and enjoying retirement. Through estate planning
tools like life
insurance, annuities and charitable trusts, we help you
provide for your
own needs while ensuring that the bulk of your assets are
distributed
according to your values and wishes.
We also believe that estate planning isn't just for the
wealthy. Our
experience is that modest estates need even more careful
planning because
there's less room for error in the distribution of assets.

Financial Planning for Individuals

Financial planning is at the very core of the comprehensive
financial planning services we offer to individuals and
families seeking to build, protect and manage wealth over
time.
That's why our approach to comprehensive financial planning
seeks to help you fully assess your current situation, goals
and desires by basing your plan on your values.
Your financial advisor works with our Roundtable team to help
you recognize and pursue opportunities, minimize taxes,
invest
more effectively, and achieve a greater understanding of
comprehensive, values-based financial planning services.

Retirement Planning

Retirement income planning is a step in the financial
planning
process that is often overlooked. Many individuals only focus
on
the wealth accumulation phase, but retirement income planning
is
essential in order to ensure that you do not outlive your
income.
There are many variables to consider when planning for
retirement. Inflation, rising health care costs and long-term
care are just a few examples of the things that can affect
your
retirement income.
Our team can help you create a retirement income plan with
the
goal of providing a sustainable, predictable, tax-efficient
stream of income based on your age, values and vision of
retirement.
In addition, based on your risk tolerance, we'll develop an
asset
allocation strategy so that you have an effectively
diversified
portfolio that helps deliver what you need and what you want
in
retirement.

Estate Planning & Trusts

When we sit down with you to begin your estate plan, we start
with one
simple question: What do you value most in life? We believe
that more
than any other aspect of life, the values you hold dear
should drive your
decisions and determine your legacy.
Our estate planning services team is specifically structured
to help you
create an estate plan by working closely with your tax and
legal advisors
to help ensure that all of the pieces of your plan work
together for you
and your loved ones' benefit.
Effective estate planning can help you while you're very much
alive and
well, protecting your assets now, and providing income while
you're
healthy and enjoying retirement. Through estate planning
tools like life
insurance, annuities and charitable trusts, we help you
provide for your
own needs while ensuring that the bulk of your assets are
distributed
according to your values and wishes.
We also believe that estate planning isn't just for the
wealthy. Our
experience is that modest estates need even more careful
planning because
there's less room for error in the distribution of assets.

Tax Planning & Mitigation

We know that our clients have more important things to worry
about in
their lives, so we've assembled a group of top-notch tax
experts to help
you make the best decisions possible for your life and your
goals.
Our Tax Strategies team executes various strategiesreducing
income,
increasing deductions, leveraging credits, and increasing
withholding
always mindful that minimizing taxes is never an end in
itself, but
rather is a means to help maximize your returns.
Our Tax Strategies team is highly skilled at leveraging the
differences
among taxable earnings that are fully taxable at year-end,
tax-deferred
investments like retirement savings accounts that are taxable
when
distributed, and tax-advantaged investments that have
deductions and
credits that may reduce tax obligations.
We believe that careful tax planning strategies for
distribution is
critical to helping your hard-earned savings last as long as
possible.

Investment Management & Advice

Working with your financial advisory team, our Investment
Management team aims to help ensure that your money is
invested
where it has the best chance to performat a risk level
you're
comfortable with.
Our investment philosophy is based on four key principles:
1.Effective Diversification* - We seek to minimize risk and
maximize return by constructing portfolios comprised of
investments with fundamentally unrelated risk factors.
2.Active Management We consistently monitor 70+ global
markets
to assess market risks, rebalance when appropriate, and take
advantage of opportunities.
3.Cost Efficiency Our scale allows us to negotiate lower-
cost
investments with our custodians and investment managers, and
we
pass those savings along to you.
4.Tax Efficiency We believe that controlling tax liability
is
the most certain way to improve returns.
As a Registered Investment Advisor (RIA), Wealth Enhancement
Advisory Services has a fiduciary responsibility to our
clients,
meaning that you can rest assured that any products or
services we
offer are in your best interest.
*There is no guarantee that a diversified portfolio will
enhance
overall returns or outperform a non-diversified portfolio.
Diversification does not protect against market risk.

Risk management

We feel risk management is not about the probability of an
event happening; it is about the
financial and emotional consequences to you and your family
if it does.
Our Risk Management and Insurance team helps determine which
policies may best suit your needs by
reviewing your current insurance policies and making sure
they're up-to-date in terms of coverage,
consistency and your particular situation. We'll comparison
shop various carriers to determine
which policy provides the most value, based on carrier
rating, product features, cost and your
needs.
And, of course, we work in tandem with your financial
advisory team to ensure that the risk
management and insurance mechanisms we recommend are in
support of your goals and values.

My Team

Jim Sandager

Sr. VP, Financial Advisor

As a CERTIFIED FINANCIAL PLANNER" professional, Jim
brings an extensive retirement income planning background
to the team. He regularly writes a personal finance
column for The Des Moines Registers Business section and
also co-hosts the popular WHO radio program, "Your
Money," with Bruce Helmer on occasion.
A true scholar, Jim not only has a Master of Business
Administration degree from Bowling Green State
University, he also co-authored "What Consumers Look for
in Financial Planners,
...more

As a CERTIFIED FINANCIAL PLANNER" professional, Jim
brings an extensive retirement income planning background
to the team. He regularly writes a personal finance
column for The Des Moines Registers Business section and
also co-hosts the popular WHO radio program, "Your
Money," with Bruce Helmer on occasion.
A true scholar, Jim not only has a Master of Business
Administration degree from Bowling Green State
University, he also co-authored "What Consumers Look for
in Financial Planners," an article published in the
academic journal Financial Counseling and Planning. He
received a bachelors degree from the University of
Minnesota. Jim has served as treasurer of the Midwest
Board of the National Association of Personal Financial
Advisors and chairman of the Financial Planning
Association of Iowa. He is also very actively involved in
the Greater Des Moines community.
In his free time, Jim enjoys reading, traveling and
spending time with his wife Louisa, and two children,
Philip and Molly.

Erik Severson

Sr. VP, Financial Advisor

Erik has been with Wealth Enhancement Group since 2008 and
is a practicing CERTIFIED FINANCIAL PLANNER". A planning-
oriented advisor, Erik serves a key role on the Roundtable
team of specialists and advisors by focusing on clients'
unique needs and situations. He received his bachelor's
degree in Finance and Marketing from the University of
Iowa, where he met his wife, Jane. They reside in Urbandale
with their three children. Outside of work, Erik enjoys
spending quality time with his fa
...more

Erik has been with Wealth Enhancement Group since 2008 and
is a practicing CERTIFIED FINANCIAL PLANNER". A planning-
oriented advisor, Erik serves a key role on the Roundtable
team of specialists and advisors by focusing on clients'
unique needs and situations. He received his bachelor's
degree in Finance and Marketing from the University of
Iowa, where he met his wife, Jane. They reside in Urbandale
with their three children. Outside of work, Erik enjoys
spending quality time with his family and playing the
occasional round of golf.

Social Networks

Research This Advisor

* Financial Advisors in our network may be dually registered advisors; in addition to being registered as an RIA, may also be registered representatives offering securities through broker dealers. ** We pre-screen advisors for experience, advisor compensation (fee-based or fee-only), licensing and disclosures with SEC/FINRA. By using this site you agree to our terms of service.